| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARALLI INSURANCE AGENCY INC.3 | 8869 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | HORIZON HEALTHCARE SERVICES, INC. | $34K | $0 | $34K | 1.49% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DR MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE CO. | $55K | $0 | $55K | 3.57% |
| CARALLI INSURANCE AGENCY INC.3 | 8869 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | METROPOLITAN LIFE INSURANCE CO. | $6K | $0 | $6K | 2.44% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A GOLDSTEIN | 1133 WESTCHESTER AVE STE S-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $4K | $0 | $4K | 8.75% |
| CARALLI INSURANCE AGENCY INC.3 | 245 MAIN STREET STE 10 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 5.00% |
| CARALLI INSURANCE AGENCY INC.3 | 245 MAIN STREET STE 100 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $0 | $1K | 3.14% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A GOLDSTEIN | 1133 WESTCHESTER AVE STE S-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $0 | $1K | 3.14% |
| CARALLI INSURANCE AGENCY INC.3 | 245 MAIN STREET STE 100 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 3.93% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A GOLDSTEIN | 1133 WESTCHESTER AVE STE S-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 3.93% |
| CARALLI INSURANCE AGENCY INC.3 | 245 MAIN STREET STE 100 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 3.93% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A GOLDSTEIN | 1133 WESTCHESTER AVE STE S-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 3.93% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 172 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE CO. | 343 | $238K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO. | 412 | $94K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO. | 259 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.